Charleston, WV Home Insurance - Analysis On Quotes, Rates & Agents
Charleston Insurance Rates:
Charleston, WV homeowners insurance is approximately $788 to $1,077, about $65-$89/month. Our exhaustive guide shows customers can save upto $373 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Cheapest Homeowners Insurance in Charleston, WV
As a homeowner in Charleston, WV, it's important to have adequate insurance coverage to protect your home and belongings. Homeowners insurance is a type of property insurance that covers your home and contents in the event of damage or theft. It can also provide liability coverage if someone is injured on your property. Many types of homeowners insurance policies are available, so it's important to work with an experienced agent to choose the right one for your needs. Basic coverage typically includes protection for your home's structure, personal belongings, and liability. You can also add additional coverage for jewellery, art, and computers.
It's important to review your homeowners insurance policy regularly to make sure it still meets your needs. As your home ages, it may become more vulnerable to damage, and your personal belongings may increase in value. Getting homeowners insurance in Charleston, West Virginia, is a smart move to protect your family and your property. The average price of homeowner's insurance in Placer County is $829. Most homeowners find this amount somewhat overwhelming, but there are a few ways to cut costs.
Ways to Reduce Your Home Insurance in Charleston, WV is:
By Installing Safety Features to Protect Your Home
You can save money on your homeowners insurance in Charleston, West Virginia, by installing safety features in your home. Some simple things like deadbolts on your doors and smoke detectors can give you a discount on your premium. If you have a security system, mention it to your agent to see if you qualify for a lower rate. You can also get a discount if you have a fire extinguisher in your home. Some companies will give you a discount just for having these things, so it’s worth asking about. Homeowners can further reduce the cost of insurance by enhancing their homes with more contemporary features. For instance, in Charleston, West Virginia homeowners with deadbolts spend $530 for their insurance.
Cost of Home Insurance Based on the Coverage Level in Charleston, WV
The more coverage you have, the higher your premium will be. That's because a policy with more coverage has a higher potential payout for the insurance company. So, if you want to keep your rates low, you must only purchase the coverage you need. Of course, the coverage you need depends on several factors, including the value of your home and your personal belongings and your risk tolerance. If you have a lot of expensive belongings or live in an area prone to natural disasters, you will probably need more coverage than someone with fewer possessions or who lives in a low-risk area. For instance, homeowners in Charleston, West Virginia, shell out $1214 for a policy that provides $200,000 in coverage. The typical cost for coverage between $100K and $300K for homeowners in Charleston, West Virginia, is between $470 and $2284.
By Maintaining Zero Claims History
If you have a history of filing claims, your insurance company will likely see you as a high-risk customer and charge you higher rates. On the other hand, if you have a clean claims history, you will be seen as a low-risk customer and will likely receive lower rates. Homeowners in Charleston, West Virginia, who have no claims pay $721 for their insurance, compared to $870 and $937 for those with one or two claims.
Charleston, WV Homeowners Insurance By Home Value
| Charleston, WV Home Value | Total Homes | % of Total | Average Charleston, WV Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,573 | 12.0% | $158 |
| $50,000 to $59,999 | 619 | 4.0% | $335 |
| $60,000 to $69,999 | 681 | 5.0% | $419 |
| $70,000 to $79,999 | 673 | 5.0% | $485 |
| $80,000 to $89,999 | 727 | 5.0% | $550 |
| $90,000 to $99,999 | 704 | 5.0% | $615 |
| $100,000 to $124,999 | 1,411 | 10.0% | $718 |
| $125,000 to $149,999 | 1,087 | 8.0% | $895 |
| $150,000 to $174,999 | 1,245 | 9.0% | $1063 |
| $175,000 to $199,999 | 933 | 7.0% | $1231 |
| $200,000 to $249,999 | 1,374 | 10.0% | $1474 |
| $250,000 to $299,999 | 943 | 7.0% | $1810 |
| $300,000 to $399,999 | 1,095 | 8.0% | $2295 |
Top Home Insurance Agents Near Charleston, WV
| Home Insurance Company Near Charleston, WV | Homeowners Insurance Agency Near Charleston, WV | Address |
|---|---|---|
| NA | Evans-Moore Insurance Agency, Inc. | 514 2Nd Ave , Gallipolis, OH, 45631 |
| NA | Crum Insurance | 621 3Rd Ave Frnt , Chesapeake, OH, 45619 |
| Travelers | Peoples Insurance Agency Llc | 101 FIFTH AVE, HUNTINGTON, WV, 25701 |
| Allstate | Travis Foster | 127 Goff Mountain Rd, Cross Lanes, WV, 25313 |
| State Farm | Tyler Courts | 101 Court St N, Ripley, WV, 25271-1207 |
Charleston, WV Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Charleston, WV
| Streets in Charleston Area | Homeowners Insurance Cost |
|---|---|
| Chamnes Ln, Athens Ave, Callie Rd, Baird Dr, Hunt Ave, Co Rte 20, Hinton, Marburn Rd, Titan Dr, Wesley Dr | $896 |
| Francis Dr, Old US Hwy 60, Ehman Dr, Westview Dr, Tudor Rd, S St, Mud Lick Rd, 50th St SE, Penn Ave, Poplar St | $923 |
| Evergreen Dr, Capitol St, 72nd St SE, Ring Hollow Rd, Hazel Rd, Beacon Ln, Pickford Ct, Mount Alpha Rd, Beulah St, Rose Hill Dr | $927 |
| Woodvale Dr, Frog Creek, California Ave, Hunter Rd, Phyllis Dr, McGuffin Dr, Thornhill Ln, Kent St, Co Rte 119/73, Brookstone Rd | $930 |
| Lynnhaven Dr, Slacks Branch Rd, Lyndale Dr, Friendly Dr, McCormick St, Co Rte 73/7, Rummelbrown Dr, Quarrier St E, Jane St, Shelton Ave | $933 |
| E 5th St, Puckett Dr, Layman Ln, State Forest Connell Rd, Wilkie Dr, Rattlesnake Hollow Rd, Westminister Way, Forest Edge Ln, Potomac St, Aliff Dr | $885 |
| Dryden Rd, Biden Dr, Heavenly Dr, Davis Creek, Danner Rd, Viola Rd, 20th St SE, Cross Creek Rd, Claymont Rd, Brynwood Dr | $908 |
| Kingston Ct, Pittman Rd, Chandler Dr, King St, Mink Shoal Branch, Mountain Rd, Co Rte 46/3, Walden St, Branch Rd, Draper Dr | $900 |
| Columbia Ave, School St, Bare Ln, 4th St E, Floyd Dr, Upper Ridgeway Rd, Quail Pointe Dr, McDonald St, E Donnally Rd, Shellar Dr | $898 |
| Edgewood Dr, Young St, Clover Dr, Hermitage Rd, Somerlayton Rd, Kay Ln, Rustling Rd, Newton Rd, Glen Cove Dr, Kinser Rd | $952 |
Charleston, WV Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Charleston | $139 to $142 |
| South Charleston | $136 |
| Dunbar | $134 |
| Rand | $131 |
Charleston, WV Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| South Charleston city, West Virginia | $136 | $181 | $272 |
| Dunbar city, West Virginia | $134 | $179 | $269 |
| Rand CDP, West Virginia | $131 | $175 | $263 |
Charleston, WV Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Charleston, WV | 6.7% | 21.0% |
| South Charleston | 7.84% | 22.1% |
| Dunbar | 8.26% | 25.17% |
| Rand | 9.19% | 33.26% |
Charleston Renters Insurance as a Percentage of Rent
| Charleston Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 496 | 5.0% | $353 |
| $200 to $299 | 611 | 7.0% | $803 |
| $300 to $499 | 1,364 | 15.0% | $1253 |
| $500 to $749 | 3,405 | 39.0% | $1928 |
| $750 to $999 | 1,750 | 20.0% | $2678 |
| $1,000 to $1,499 | 799 | 9.0% | $3803 |
| $1,500 or more | 180 | 2.0% | $5453 |
Charleston, WV Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $4,700 |
| Yearly Charleston Homeowner Insurance Premium Example | $1,400 | $900 |
| Out of Pocket Expense During Claim | $1,700 | $4,700 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $11,500 | $11,000 |
| Net Savings to Charleston Home Owner from High Deductible Plan | $500 | |
Charleston, WV Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Charleston, WV Home Replacement Value MORE than Home Value | Charleston, WV Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $105,500 | $64,500 |
| Insurance Premium based on Replacement Value | $500 | $300 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $20,500 | Risk Exposure from Under Insuring Coverage is $20,500 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $100/year |
Example Charleston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Erie Insurance | Amica Mutual Insurance Company | GEICO Insurance |
| Monthly Premium | 39 | 55 | 45 |
| Year Built | 1964 | 1956 | 1977 |
| Home Details | 3 Beds, 2 Baths | 5 Beds, 1 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $175000-$200000 | $200000-$250000 | $125000-$150000 |
| Deductible | $5000 to $10,000 Deductible | > $10,000 Deductible | $500 Deductible |
Sample Home Insurance Rates for Charleston, WV from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1977 | 200,000 | Asphalt Shingles Roof | 2,240 | 3 | $1000-$2500 Deductible | 70 | 1 | Wood siding | No |
| 1956 | 380,000 | Composition Roof | 3,860 | 5 | $500 Deductible | 1070 | 7 | Stone Siding | No |
| 1965 | 160,000 | Membrane Roof | 2,150 | 3 | $500- $1000 Deductible | 890 | 12 | Stucco siding | yes |
| 1984 | 310,000 | Composition Roof | 3,130 | 4 | $5000 to $10,000 Deductible | 780 | 12 | Stone Siding | No |
| 1975 | 125,000 | Wood Shake Roof | 1,230 | 3 | $500 Deductible | 50 | 1 | Stone Siding | No |
| 1950 | 180,000 | Membrane Roof | 1,750 | 2 | $500- $1000 Deductible | 50 | 1 | Stone Siding | No |
| 1963 | 165,000 | Composition Roof | 1,630 | 5 | $500- $1000 Deductible | 670 | 9 | Brick siding | yes |
| 1944 | 65,000 | Slate Shingles Roof | 900 | 2 | $2500-$5000 Deductible | 20 | 1 | Stone Siding | No |
| 1984 | 135,000 | Membrane Roof | 1,650 | 3 | $500 Deductible | 570 | 8 | Stone Siding | yes |
| 1951 | 280,000 | Metal Roof | 3,310 | 4 | $2500-$5000 Deductible | 190 | 2 | Fiber-Cement Siding | yes |
| 1989 | 135,000 | Slate Shingles Roof | 1,280 | 2 | $2500-$5000 Deductible | 30 | 1 | Stucco siding | No |
| 1962 | 350,000 | Metal Roof | 4,480 | 5 | $500- $1000 Deductible | 1080 | 8 | Stone Siding | yes |
| 1942 | 480,000 | Wood Shake Roof | 4,660 | 5 | $2500-$5000 Deductible | 1620 | 8 | Vinyl siding | yes |
| 1965 | 95,000 | Slate Shingles Roof | 1,160 | 2 | $500- $1000 Deductible | 190 | 6 | Fiber-Cement Siding | yes |
| 1972 | 85,000 | Slate Shingles Roof | 910 | 2 | $500- $1000 Deductible | 290 | 8 | Stucco siding | No |
| 1982 | 270,000 | Asphalt Shingles Roof | 2,840 | 4 | > $10,000 Deductible | 350 | 7 | Fiber-Cement Siding | yes |
| 1988 | 75,000 | Slate Shingles Roof | 1,050 | 2 | $1000-$2500 Deductible | 100 | 3 | Wood siding | yes |
| 1945 | 245,000 | Slate Shingles Roof | 2,650 | 4 | $500 Deductible | 1120 | 10 | Stone Siding | yes |
| 1973 | 240,000 | Composition Roof | 2,580 | 4 | $5000 to $10,000 Deductible | 350 | 6 | Vinyl siding | No |
| 1960 | 245,000 | Tile Roof | 2,520 | 4 | $500 Deductible | 1620 | 12 | Brick siding | No |
| 1987 | 145,000 | Membrane Roof | 1,680 | 2 | $2500-$5000 Deductible | 250 | 5 | Wood siding | No |
| 1945 | 90,000 | Slate Shingles Roof | 1,100 | 2 | $1000-$2500 Deductible | 80 | 2 | Stone Siding | yes |
| 1959 | 180,000 | Tile Roof | 1,750 | 2 | $500- $1000 Deductible | 480 | 8 | Brick siding | yes |
| 1968 | 170,000 | Shingles Roof | 1,740 | 2 | $5000 to $10,000 Deductible | 110 | 3 | Vinyl siding | No |
| 1984 | 100,000 | Asphalt Shingles Roof | 1,360 | 2 | $500- $1000 Deductible | 110 | 3 | Fiber-Cement Siding | No |
| 1974 | 130,000 | Membrane Roof | 1,260 | 2 | $500 Deductible | 340 | 9 | Fiber-Cement Siding | yes |
| 1977 | 180,000 | Asphalt Shingles Roof | 2,010 | 4 | $5000 to $10,000 Deductible | 510 | 10 | Stone Siding | yes |
| 1975 | 360,000 | Composition Roof | 4,250 | 5 | $5000 to $10,000 Deductible | 370 | 3 | Wood siding | yes |
| 1988 | 95,000 | Tile Roof | 1,270 | 3 | $1000-$2500 Deductible | 110 | 3 | Stone Siding | yes |
| 1947 | 195,000 | Slate Shingles Roof | 2,110 | 4 | $500 Deductible | 340 | 6 | Brick siding | No |
| 1946 | 140,000 | Wood Shake Roof | 1,470 | 2 | $1000-$2500 Deductible | 80 | 2 | Stone Siding | No |
| 1962 | 80,000 | Metal Roof | 1,010 | 2 | $1000-$2500 Deductible | 90 | 5 | Vinyl siding | yes |
| 1957 | 310,000 | Metal Roof | 3,060 | 4 | $500- $1000 Deductible | 480 | 4 | Stucco siding | No |
| 1952 | 120,000 | Asphalt Shingles Roof | 1,220 | 3 | $1000-$2500 Deductible | 40 | 1 | Stone Siding | yes |
| 1945 | 235,000 | Metal Roof | 2,610 | 4 | $1000-$2500 Deductible | 760 | 8 | Stucco siding | No |
Latest Home Insurance Reviews
Erie InsuranceErie is a good insurance company that Have used for a very long while and I love the amount I pay for health care and the prenium amounts.I am satisfied with what they are doing but believe they can do better.
Erie InsuranceWe needed to call customer service to add pictures of our current basement setup just in case there was flooding from our sump pump- we could prove the cost of all of the electronics.
State FarmI would highly recommend State Farm for home insurance, for their promptness and attention to detail as it relates to every concern for the customer. The availability of customer service is local and online.
AllstateThere premium and deductible are very nice. Before I chose this company I checked a lot of companies and then I chose this one.
Farmer's InsuranceThis company has been there for me since day one offering me great rates and affordable insurance. Extending a recommendation out to those I care about is a no brained. They treat you like family and you always feel that way when you go.
GeicoMy experience with my home insurance company is 3 out 5. Anytime I have a complaint the company seems to be bothered or negative about a resolution for my home.
State FarmI like state farm because they pay their claims quickly and handle claims quickly. we had one claim in my home for water pipe broke and ruined my carpet. they had to replace it and it was all done quickly and professionally.
Liberty MutualThey are friendly and have serviced this community for a long time. Got us the best rate for the type of home and location.
State FarmSince being a part of this company, I have only had slight premium increase. It would be nice to receive a "bonus" for an extended time without claims. For homeowners and auto insurance.
State FarmThey don't call and bother me very often which I like and when I contact them, they are super prompt. They're very flexible on how they communicate too.
Allstatebased on pricing and on the customer service (haven't filed a claim yet) then I would definitely recommend them to anyone who is looking.
Erie InsuranceI love erie insurance they are the best in the area for cutlstkmer service and rates